Vehicle EconomicsPayment From Out-the-Door Price
Start from a dealer's all-in quote instead of the sticker price alone.
Why this comes up
A sticker price and an out-the-door price are rarely the same number. Tax, title, and dealer add-on fees stack on top before you ever see a payment, and a "great" negotiated price can still produce a payment that surprises you once every line item is financed together.
How we calculated this
Out-the-door price is negotiated price plus every tax/title/fee you enter. We subtract your down payment and net trade value, then finance the remainder at your APR and term.
Worked example, using this page's own defaults ($25,000 price, $1,500 tax, $300 title, $800 fees, $3,000 down): the out-the-door price is $27,600, financed principal is $24,600. Run the calculator above for your own numbers.
What this means
- A fee paid in cash costs exactly its face value; the same fee financed for years accrues real interest, see the hidden insight below for the exact gap.
- If your target is a specific payment rather than a price, Down Payment Needed for Target Payment solves that side of this same deal.
- Negative trade equity increases the financed principal here just like a smaller down payment would, check Negative Equity Calculator first if you suspect that's the case.
Limitations
No jurisdictional tax calculation is performed, tax and title figures are exactly what you enter. See Methodology.
Methodology
This engine is built on Vehicle Economics' fixed-rate amortization model: the standard loan-payment formula run out as a full month-by-month schedule. See Methodology for the full detail.